New Jersey Health Insurance Information - Family or Individual
(HMO, PPO, POS or Major Medical Coverage)
Individual or family health insurance can provide the important protection
needed in the event of illness and for regular preventive care. Using the
strength and experience of our health insurance markets, Sunrise
Retirement Solutions and Insurance Planning Services can offer
affordable HMO, PPO, POS, and Major Medical Health Insurance policy
coverages throughout New Jersey, including the greater
Health insurance plans that allow you the most
choices in doctors and hospitals also tend to cost
more than plans that limit choices. Individual and
family health insurance plans that help to manage
the care you receive, such as PPO and POS plans,
usually cost you less, but you must give up some
freedom of choice.
We are a greater Philadelphia area insurance services agency, offering affordable
health insurance premiums to individuals and families in the following New Jersey
cities and counties: Deptford, Camden, Cherry Hill, Blackwood, Collingswood,
Runnemede, Woodbury Heights, Pennsauken, Palmyra, Cinnaminson, Delran,
Riverside, Edgewater Park, Burlington, Riverton, Delanco, Beverly, Bridgeboro,
Woodlynne, Oaklyn, Gloucester City, Brooklawn, Mt. Ephraim, Westville Grove,
Colonial Manor, Red Bank, National Park, Thorofare, Gibbstown, Bridgeport, Penns
Grove, Almonesson, Fairview, Grenloch, Hurffville, Turnersville, Erial, Pine Hill, West
Berlin, Clementon, Barrington, Kirkwood, Maple Shade, Mt. Laurel, Pitman, Sewell,
Mantua, Centre City, Magnolia, Somerdale, Berlin, Richwood, Mt. Royal, Glassboro,
Ewan, Wenonah, Audubon, Haddonville, Merchentville, Willingboro, Woodbury,
Clarksboro, Mickleton, Repaupo, Paulsboro, Williamstown, Sharptown, Ferrell,
Auburn, Yorktown, Pedricktown, Pennsville, Vineland, Millville, Gloucester County,
Burlington County, Salem County, and Camden County, NJ. We also offer affordable
health insurance policy services throughout southeastern Pennsylvania, including in
Upper Darby, Drexel Hill, Yeadon, Sharon Hill, Collingdale, Darby, Folcroft,
Lansdowne, Norwood, Prospect Park, Glenolden, Havertown, Colwyn, Chester,
Cheltenham, Montgomery County, Bucks County, Delaware County, and Philadelphia
County, PA.
Learn more about HMO, PPO, and POS managed
health care insurance policies we offer throughout
New Jersey by clicking on a link below or click on the
link for information on Major Medical health insurance.
Click on the link below to fill out a secure quote
request form for a New Jersey health insurance
policy that provides excellent health insurance
coverage and services at an affordable cost. Or
you can speak with one of our New Jersey Health
Insurance agent specialists toll free at 1-800-501-
6199 to discuss the features.
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* Preventive care emphasis
* Primary care physician (PCP) coordinates your total care
* Must get a referral from your PCP to visit a specialist
* Fixed monthly fee
HMO Health Insurance Policy Overview - New Jersey & PA
Subscribers to an HMO receive medical services from participating physicians,
clinics and hospitals. You choose a primary care physician (PCP) from a list of
participating doctors from where you live in New Jersey. That doctor is used for
typical circumstances such as annual exams and usual health issues. If you
need to see a specialist, be hospitalized, or have lab or X-ray work, your doctor
will refer you to a provider or facility within the HMO system. Your doctor must
give authorization for those services to be covered by your HMO. In other
words, you must see HMO approved physicians and use HMO approved
facilities or pay the entire cost of the visit yourself.
Similar to Point-of Service (POS) and PPO's, HMO's have made arrangements
for lower fees with a network of health care providers and give their policyholders
a financial incentive to stay within that network.
You may have to pay some portion of the cost (co-payment) for each office or
hospital visit, such as $20 - $30 per doctor visit, regardless of what the services
cost. Also, some services such as emergency room, mental health and chemical
dependency services, may carry additional costs in a New Jersey HMO health
maintenance plan.
Click on the link below to fill out a secure quote request form for a New Jersey
HMO health insurance policy that provides excellent health insurance coverage
and services at an affordable cost. Or speak with one of our NJ Health Insurance
agent specialists toll free at 1-800-501-6199 to discuss the features.
* Convenient access to quality health care
* Large and diverse network available of primary care physicians,
specialists, hospitals & clinics.
* Pay for services as they are provided
PPO Health Insurance Policy Overview - New Jersey & PA
You can see any health care professional in the network any time you
choose to make an appointment. You don't need referrals for specialists or
other services as you do in an HMO. You can see doctors or specialists
outside your PPO network, however, your portion of the costs will be higher.
You may have to pay some portion of the cost (co-payment) for each office
or hospital visit, such as $20 - $30 per doctor visit, regardless of what the
services cost. Also, some services such as emergency room, mental
health and chemical dependency services, may carry additional costs in a
New Jersey PPO health insurance plan.
Click on the link below to fill out a secure quote request form for a New
Jersey family or individual PPO health insurance policy that provides
comprehensive health insurance coverage and services at an affordable
cost. Or you can speak with one of our New Jersey Health Insurance
agent specialists toll free at 1-800-501-6199 to discuss the features.
* Preventive care emphasis
* Pays benefits for out-of-network care, but at a lower level
POS Health Insurance Policy Overview - New Jersey & PA
Less restrictive than an HMO or PPO, a (POS) or Point of Service plan lets you
see any licensed health care professional for anything covered by the insurance.
Care you receive from out-of-plan health care professionals is reimbursed, but
you must pay an often times much higher co-payment or deductible amount.
While you may choose to see a physician outside the network, if you don't
receive permission from your (PCP) primary care physician, you're likely to end
up submitting the bills yourself and receiving only a small reimbursement...if any.

Costs that exceed your deductible are covered by a co-insurance plan in which
you and the insurance company share the cost for services covered by the
policy.
Also, some services such as emergency room, mental health and chemical
dependency services, may carry additional costs in a New Jersey POS health
insurance plan.
Click on the link below to fill out a secure quote request form for a New Jersey
family or individual POS health insurance policy that provides excellent health
insurance coverage and services at an affordable cost. Or you can speak with
one of our New Jersey Health Insurance agent specialists toll free at 1-800-501-
6199 to discuss the features.
Major medical health insurance provides benefits up to a high limit for most types
of medical expenses incurred, subject to a deductible. Once you meet the
deductible, our New Jersey Major Medical Insurance plans pay a percentage of
what is considered the "Usual and Customary" charge for covered services. The
insurance company generally pays 80% of the Usual and Customary costs and
you pay the other 20%, which is known as co-insurance. If the insurance
company charges more than the Usual and Customary rates, you will need to
pay both the co-insurance and the difference.
With Major Medical Insurance plans you can choose your doctor and any hospital
for your medical services. You or your doctor send the bill to the insurance
company, which pays part of it. Usually, you have a deductible such as $250 or
more to pay each year before the insurer starts paying. The plan will pay for
charges such as medical tests and prescriptions as well as from doctors and
hospitals.
Major medical insurance coverages offer more choice of doctors (including
specialists, such as cardiologists and surgeons), hospitals, and other health
care providers than managed care plans, such as HMO, PPO, and POS.
Major Medical Insurance may not pay for some preventive care, such as
check-ups, and is usually a more expensive health insurance coverage than
utilizing a New Jersey HMO, PPO, or POS plan.
Click on the link below to fill out a secure quote request form for a New Jersey
family or individual Fee-for-Service / Major Medical health insurance policy that
provides excellent health insurance coverage and services at an affordable cost.
Or you can speak with one of our New Jersey Health Insurance agent specialists
toll free at 1-800-501-6199 to discuss the features.
Learn more about the other types of NJ Individual or Family Health
Insurance polices we offer by clicking on a link below!
Learn more about the other types of Individual or Family Health Insurance polices
we offer in New Jersey by clicking on a link below!
Managed Health Care Plans:
Fee-for-Service Health Plan:
Learn more about the other types of New Jersey Individual or Family
Health Insurance polices we offer by clicking on a link below!
Managed Health Care Plans:
Fee-for-Service Health Plan:
Learn more about the other types of New Jersey Individual or Family Health
Insurance polices we offer by clicking on a link below!
Managed Health Care Plans:
Fee-for-Service Health Plan:
Managed Health Care Plans:
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**The information, pictures, and other content in this website about particular insurance
services is only provided for informational purposes. Any decisions regarding your
insurance needs should be discussed with a licensed insurance agent.
Philadelphia Pennsylvania Area Employee Benefit Insurance Services
Sunrise Retirement Solutions
& Insurance Planning Services
188 Fries Mill Road, Unit F-1
Turnersville, New Jersey 08012
Gloucester County, NJ
(856) 875-0999
Toll Free: 1-800-501-6199
Fax: (856) 875-0981
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